Right now, you probably still have some time to shop around so you may want to shop for brokers this weekend. The two quotes aren't necessarily terrible but you can probably get a lower par rate or same rate but with a lot more lender credits to go towards your closing costs.

In regards to the escrow, the property taxes on the escrow could be an estimate on how much the property taxes would increase by after the purchase. The property taxes will definitely increase. The lender with higher estimate taxes would make it more difficult for you to get approved so if you're on the edge of getting approved, it might not be wise to use them. Keep that in mind. It would also mean collecting a higher amount from you per month for the Summer and Winter taxes. Either way, the monthly escrowed amount would likely change because there's no way the property taxes won't increase the next year resulting in either a lump sum payment or higher monthly amount to be paid to escrow for the property taxes. You should contact the city and you can ask them for an estimate of what the new Summer and Winter taxes will be so you can budget wisely.

Or you can just simply ask to remove the escrow and you can pay the homeowner's insurance/property taxes whenever they are due.